Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398295
Experian Credit Report Error Closed with Explanation
Complaint Overview
Complaint ID: 18398295
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 33084
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was addressed and closed, suggesting a resolution was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 18398295 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account information on their Experian credit report, which was closed with an explanation. The complaint was received on December 31, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports.
Regulatory Insight
This case highlights the importance of credit bureaus maintaining accurate account information as required by FCRA.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Florida, and the resolution was provided by Experian Information Solutions Inc.
Industry Comparison
Credit reporting agencies are expected to correct inaccuracies, and this case indicates a process for doing so.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398295 about?
CFPB complaint 18398295 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against Experian Information Solutions Inc. on December 31, 2025.
Which company is complaint 18398295 filed against?
Complaint 18398295 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 18398295?
Experian Information Solutions Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398295 filed?
Complaint 18398295 was received by the CFPB on December 31, 2025. It was sent to Experian Information Solutions Inc. on January 1, 2026.
What state was complaint 18398295 filed from?
Complaint 18398295 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18398295?
Dispute information is not available for complaint 18398295.
What product category is complaint 18398295 about?
Complaint 18398295 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18398295 submitted?
Complaint 18398295 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18398295?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Incorrect information on your report".
How likely is complaint 18398295 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18398295?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed, suggesting a resolution was provided.
What regulatory actions apply to complaint 18398295?
This case highlights the importance of credit bureaus maintaining accurate account information as required by FCRA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18398295?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly.
Are there state-specific protections for complaint 18398295?
The complaint originated in Florida, and the resolution was provided by Experian Information Solutions Inc. This complaint was filed from Florida.
How does complaint 18398295 compare to industry norms?
Credit reporting agencies are expected to correct inaccuracies, and this case indicates a process for doing so.
What does 'Closed with explanation' typically mean in the context of a CFPB complaint?
It generally means the company responded to the complaint and provided a reason or resolution, but the consumer may not have fully agreed or the issue might be considered resolved from the company's perspective.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.